Bank · FDIC insured
The First National Bank of Groton
A $203.9M bank headquartered in Groton, NY, with 2 branches in New York. Best rates: CDs 3.75% and savings 0.10% APY.
The First National Bank of Groton Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#6 of 11 in Auburn, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The First National Bank of Groton
The First National Bank of Groton has served its communities since 1865 and operates two locations in Groton and Moravia, New York.
- Headquarters
- 159 Main St, Groton, NY 13073
- FDIC certificate
- 7085 ↗
Branches
2 branches in New York
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New York
2 branches
Ithaca area · 1
- The First National Bank of GrotonMain office159 Main St, Groton, NY 13073Directions
Auburn area · 1
- Moravia Branch41 S Main St, Moravia, NY 13118Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.58% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.62% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.30% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $60 | $81 | — |
- CapitalLeverage ratio14.58%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.62%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.30%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$60Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The First National Bank of Groton are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.